My husband has had an account with First Republic for years, and while I swear their free cookies were an influential factor, their ATM rebate checking is actually a nice and very personalized product, if you're able to keep a sizable average monthly balance to avoid service fees.

If you're willing to switch your direct deposit to State Farm, you can get unlimited ATM fee rebates from all ATMs worldwide, although you do apparently have to call to get your rebates for fees from non-U.S. ATMs, which is a hassle if doing a lot of international travel.

Pros

State Farm refunds ATM fees from all ATMs worldwide if your account has direct deposit

No monthly fees

No minimum balance (must open account with at least $25)

Free online banking and free bill pay

Free initial order of checks

Cons

If you don't use direct deposit with your account, your ATM rebate is capped at $10 per statement cycle

This Fidelity has no monthly fees or minimums and reimburses non-Fidelity ATM fees as long as they are at machines that display Visa, Plus or Star logos. There is, though, a 1% foreign transaction fee that is not waived and is charged to your account.

Pros

ATM fees are waived from all ATMs worldwide if the ATM machine displays a Visa, Plus or Star logo

No monthly fees

No minimum balance

Free online and mobile bill pay

Free checkwriting, no charge for standard checks

Variable interest earned

Cons

For ATM fee to be reimbursed, ATM machine must display a Visa, Plus or Star logo

International ATM withdrawals incur a 1% foreign transaction fee that is not waived

Which travel credit card will maximize miles earned for for American Airlines flights? TravelSort reader Kenji writes: "I'm writing to glean some of your travel savvy expertise. I'll be flying from Washington DC DCA to Memphis MEM once a month...

This review of Castello Banfi Il Borgo in Tuscany, Italy is part of a trip report featuring the Amalfi Coast, Tuscany, Florence, Rome, Singapore Suites, Air Berlin Business Class, and luxury hotel stays, dining and activities in Berlin and...

Ehtesham, only am familiar with networks, such as STAR network, CO-OP for credit unions, etc. that have fee-free ATMs if your financial institution is a member. But personally, I like having an ATM card with a bank that rebates *all* withdrawals, including from foreign ATMs, so I don't even have to think about it!

Search Bing.com for "Checking Account with ATM refund" and found this web page. It seems that First Republic ATM Rebate Checking still offers the refund on ATM charges even this page was posted three-year ago. Thanks,Hilary.

Happy it was helpful David! My family's been a happy First Republic client for years. They hooked my husband with their complimentary cookies, but their ATM privileges, great mortgage rate and very capable, friendly associates are more serious benefits that we've enjoyed.

Your site is very informative on the banking choices for ATM transactions with no fees.
That feature is important, especially when that selective bank ATM almost appears as a mirage.
Thanks so much for your research on this topic.

There's a 20K Chase Freedom Signup Bonus Offer, which I've added to the Best Travel Credit Cards page. The usual signup bonus is just 10,000 points (or $100), so if you were planning to get this card anyway, it's a good time....

Is Transaero a good airline? Not if you want your luggage to arrive with you. I flew Transaero today, and boy, do I regret that decision. It was part of a combined ticket from Florence, Italy via Vienna to Moscow,...